One Nevada Credit Union

Hadn't used my debit card in a few months, and when I go to use it, it gets declined. Following Monday, I go to the ATM and it takes my card, like wtf.

I call and they say card reported lost, we'll that's a lie I never reported it lost/stolen. Go to the branch with a quite a few people waiting just to waste my entire lunch to speak with someone.

Vice president at the Las Vegas-Tropicana branch is extremely rude!!! Still no one can tell me why the *** my card was deactivated, nor do they care, I swear this place is the worst.

I cant get a straight answer about when the card control feature will be back on. Also, the App feature showing our current transactions are deceiving.

I have been a customer for about 30 years and there are some questionable practices I dont like, especially the overdraft fees and lack of card control and staff unable to give me answers. Not a happy customer.

I've been a customer aprox. 20 years.

Things are so different in the world, with all the fraud. I called my bank, the fraud dept. to let them know an Int'l beauty Shop won't send me my package, its was last at the U.S. Customs.

The business told me I would have a buy again for them to send another one.

Heck no. Thank you One Nevada, for looking into it, and saw their actions.

Got transfered and given a phone number. Talked to 3 different people and they could not help me get a new debit card no help on customer service how is someone getting my card number?

I paid 100.00 dollars to my credit card account to pay my bill down. But my amount that I owe did not come down. But the 100.00 was removed from my checking account.

impatient agent,in a hurry , just end the call without solving the issues ,refer to the bank itself or personal customer service , it takes a mile from my place to the bank office . for a simple solution or answer to my queries.

I recieved a message saying my card was under fraud detection. I called to fix it i couldnt understand the woman.

They kept telling me my phone number isnt linked to the account but its the number i recuved the message on. When i log in to update the number it is in fact the correct number.

I also dont ubderstand why i cant just answer security questions to fix the problem. I use uber and was late to work today

Banked with these people for a few years. Have had multiple problems with them but being hung up on by customer service is the last straw.

Avoid this place as much as you can. Very poor service and long wait on calls. Also, you are legal supposed to be given the interest that builds from your account but the call them "rewards" and they have to be claimed online every month.

If you don't, they keep it. Just a little that shows a lot about this scummy establishment.

90 days ago at One Nevada Credit Union, I ordered checks stopped into a branch for a ticket waited patiently drafted the 19.95 or so dollars 60 days went buy, I've been buying money orders in the meantime checks never arrived. Fast-forward Mar 23.2020 still no checks So I stopped into a branch got a ticket and patiently waited, upon my turn the banking professional asked if I had 45 min he said it would take.

I waited provided necessary info opened a secured card lending credit to myself to build credit this was the time-consuming part, lending myself money at interest for the bank to make money. Anyway the second clerk ordered checks from a vendor the bank stopped using 20 something days previous, now here I am April 22nd still no checks called customer service 25 min on hold apologetic clerk investigates and finds what I've just told you and asks if id like to order checks? 3 months I've been ordering checks what would you say? To the 3rd clerk who wants to draft your account to order checks that are never coming?

One Nevada Credit Union? What gives? How many months does it take to get a box of checks so you can conduct business?????? Meanwhile, I've been nicked and dimed three times what it costs to print some dam checks??

Over the last 3 months One Nevada Credit Union? CC'd copy to BBB CC'd copy to Yelp

I have card control.. ( it does nothing to stop your card being used.

I have turned it off, set it at 35$ and only allowed in person usage!!! Somehow there is adozen withdrawals ??? So I tried it my self.

With card off and set at 35$ I was able to purchase at a store and without debit pin, driver license or even sign 225 $ in product. At wall mart.

My receipt even says on it wrong debit number/ no signature required??????

Today the atm at blue diamond took $280 no receipt they have had problems with that atm for over 3 years. I filed to get money back but now have to wait.

Crazy! I called telephone banking doesn’t work either unacceptable

typed in correct username and password and saying wrong password, account got locked out can't even reset my password with correct information. Need to get in to my accoount asap.

This happened leading up to 3-14-18. In early 2017 after 4 years with direct deposit of $5500 a month, I was late for a credit card payment. The collection department called (the representative was rude and non responsive) and told me I was late. I had switched jobs and the terms had changed and I had a decrease in pay. Credit cards were not my top priority at this point but I do care about my credit, so I informed him I would be making a payment the next paycheck. When the next check came I found out my car payment had bounced because of insufficient funds. I came to find out they had withdrew the cc payment from my checking. I was upset and when I called they explained that this is what I signed when getting the cc and that they could take funds for past due balances and were within their right to do so. That may be true but I was depending on that money for other things which also caused an overdraft fee, indirectly caused by them. They would not reverse it.

This seems like a small issue but I argued it based on never being late in the past and that just because they could doesn’t mean they should. Finally after debating with the this place, and the terrible customer experience via the phone contacts, based on principle, I switched my direct deposit to a bank. I still had a balance on the cc which I stopped paying on, with intent to fix when my situation improved.

Fast forward to this week, I am making more with my job and am trying to straighten things out. Most cards will let you make offers to settle debts.

This week my tax preparer told me he had my refund going to this routing number, the one from last year. He didn’t realize I had switched banks. I tried to contact the IRS to have it switched but to no avail.

I called One Nevada to cancel my account. They were so helpful until I mentioned I wanted to cancel. Then, for that I had to go to a branch. After doing that immediately when I was off work, (my checking was already canceled but my savings was still active. Shame on me for that one) they went to look up my account. I had checked it that day and it was zero. I was going to pay whatever fees I may have for closing the checking and savings. When they looked it up I had an unavailable balance of $5900. I explained that it was a mistake, I wanted the money and I would pay whatever fees I owed the bank.

They said the reason why was because of my cc (which was charged off) with a $5000 limit which with fees and penalties I owed them $5450 and change. “I was ‘welcome to’ the $500 residual that was left after they collected their money owed”. I talked to a manager which by the way used every textbook technique to change the subject, focus on what my tax preparer did wrong, etc. besides getting to the real issue. I think her name was Vicky? She was quick to tell me that she’s been doing this for 30 years and that’s the way it goes, any bank would do the same thing, etc.

The biggest issue I had is that the card was charged off! They wrote it off in 9-17, she even mentioned that, meaning they called it a loss and filed it as a loss and could have sold the debt. It could go to any licensed debt buyer to get the debt because it has been charged off and is a loss, bad debt that they won’t collect so in turn will get a break for.

When I brought this up she said “if it was sold off I would have been the one to sign off on that, so it’s not sold off”. However it was written off for that year meaning they have been compensated for losing that debt. They shouldn’t be entitled to the full amount plus penalties.

I told them I was even willing to pay past due balances and late fees but not the entire debt at this time. (Who is prepared to make a payoff of their entire debt at any given time?)

Important part: - They are benefiting twice, tax break as a loss and now the full debt plus penalties.

They said I could write a letter to the appeals committee on Mojave in LV to try to get the money back but it’s not likely it would get refunded.

The point is they received money, that was not intended for them, that I had other plans for (which included settling that debt) and once it’s routed into their hands, it’s off limits to you, the consumer, the one using their services. The one they are using your money to loan and to make money on.

After this ordeal, the very kind teller, who I could tell was embarrassed by the awkward conversation asked, do you still want to close the account?

Of course I want to close it! I wasn’t mad at her. I even told her, I’m not mad at you doing your job, I’m mad at the situation.

More than that I don’t want to have anything to do with your organization except spread the word of caution to fellow consumers. I want to go on a campaign against One Nevada.

I used to be a big advocate of credit unions, telling people to support them, and they do have their place, to keep the banks competitive, but use them with caution!

The banks have competition against each other and Wall Street with stock holders to answer to, the street with Quarterly earning reports, and You will get Just a little bit more loyalty. They tend to blink a little when they see an account go away.

This place though, was all about taking the money even though I had some of that designated for my daughters education as well as other things important to me. Me, you know, like you, the consumer, the one who paid the tax and am getting the overpayment refunded. As long as the cc gets their money though. Which by the way, cc’s should be used as a last resort, with compound interest and writing off debt, they made that money back with no problem.

What if I would have gone back to direct deposit with them? Would they call that debt and I wouldn’t have money to pay for mortgage or utilities?

A tip for that credit union: let the customers designate what they do with their money.

Lesson learned- be all about the cash and cashiers checks.

By the way:

I know Wells Fargo is a “big evil national bank”, but they have their customer service on point. They greet me when I come in, they notarize for free, they have sent documents when needed. No Nickel and dime-ing oh and no, hmm, Funds Seizure!! Just saying, you may pay some fee under $10 a month but at least you don’t end up with this stuff... I would love not to pay a fee but it’s better than this non responsive experience I dealt with.

How can you charge me a $35 fee for a charge that was made days ago, with money in the account when charge was made, & when charge was made the payment was reflected on my available balance? Then when you call customer service they give an excuse that “they only see certain info so they can’t go thought the details of the account”.

I called twice in 1 day because I wanted to have the representative add up all my charges & explained to me how going over my limit by $22 caused me to have (7) $35 charges. All I got was that I need to call some other department. When I asked can I just go in to a branch to speak to someone, she told me the branch will instruct me to call that same #. That’s the start of the problem, it’s ok for me to deposit my money into this bank, but I don’t have the luxury of speaking with someone face to face?

That makes no sense at all. Numbers don’t lie, & it seems so shady how they can give you a fee for something that was available, shows pending, & your current balance reflects the amount of the charge that was paid? Not my fault I make a charge on Wed & it’s post on Mon or whatever they try to tell. It’s my responsibility to make sure the money is in the account at time of purchase (which it was).

Because as soon as I enter my pin & the machine reads approved - that money is no longer available to me, so can I possibly get a fee for that same charge days later?!? They try to explain it as “if it’s pending when u made that charge u have to wait for it to post* if I have $500 in my account & I charge $500 it does not matter what’s pending & what’s no as long as I don’t charge anything over that $500. This seems to not mke sense with this credit union. What’s really strange about the process is that when the charge is pending that amount is taken out of your available balance.

I feel like everyone at this bank needs a math class because nothing is adding up!

I’ve never experienced anything like this. Really thinking about taking my business elsewhere!